United Bancorp (UBCP) Stock Price, News & Analysis

Company Overview

United Bancorp, Inc. (NASDAQ: UBCP) is a bank holding company headquartered in Uniontown, Pennsylvania, offering a comprehensive range of community banking services through its wholly owned subsidiary, Farmers and Merchants Bank. The company’s primary business activities include traditional deposit-taking and lending operations, catering to both consumer and commercial clients. United Bancorp focuses on establishing long-term relationships with local customers, providing personalized financial solutions to meet evolving needs.

United Bancorp’s product portfolio encompasses a variety of deposit accounts, such as checking, savings, money market and certificates of deposit, alongside a full suite of loan products. Commercial customers can access real estate, construction, equipment financing, and working capital lines, while individual borrowers have options for residential mortgages, home equity lines of credit and consumer installment loans. The company further supports clients with treasury management, merchant card services and online banking capabilities designed to streamline payment and cash flow processes.

With a branch network concentrated across Fayette, Westmoreland and Somerset counties in southwestern Pennsylvania, United Bancorp serves a predominantly regional customer base. Its platforms include Internet and mobile banking services, remote deposit capture and ATM access, all aimed at enhancing convenience and accessibility. The company also collaborates with local municipalities, school districts and nonprofit organizations to foster economic development and community engagement.

Founded in 1902 as The Farmers and Merchants Bank of Uniontown and reorganized as a bank holding company in the early 1980s, United Bancorp has built a legacy of local stewardship and financial stability. The leadership team is headed by President and Chief Executive Officer Michael C. Berryman and Chief Financial Officer Jane L. McDaniel, supported by a board of directors with deep ties to the region. Under their guidance, the company continues to emphasize prudent risk management, regulatory compliance and community-oriented growth.

Key Stats

• Today's Range: $14.10 to $14.16
• 50-Day Range: $12.41 to $14.81
• 52-Week Range: $11.40 to $15.64
• Volume: 1,039 shs
• Average Volume: 6,333 shs
• Market Capitalization: $81.29 million
• P/E Ratio: 11.32
• Dividend Yield: 5.27%
• Price Target: N/A
• Consensus Rating: N/A

United Bancorp Stock Analysis - MarketRank™

United Bancorp scored higher than 60% of companies evaluated by MarketBeat, and ranked 534th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for United Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bancorp is 11.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancorp is 11.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

United Bancorp has a P/B Ratio of 1.28. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

23.59% of the float of United Bancorp has been sold short.

Short Interest Ratio / Days to Cover

United Bancorp has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Bancorp has recently increased by 9,196.88%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

United Bancorp is a leading dividend payer. It pays a dividend yield of 5.28%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

United Bancorp has been increasing its dividend for 13 years.

Dividend Coverage

The dividend payout ratio of United Bancorp is 59.68%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

23.59% of the float of United Bancorp has been sold short.

Short Interest Ratio / Days to Cover

United Bancorp has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Bancorp has recently increased by 9,196.88%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

United Bancorp has a news sentiment score of 1.90. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.91 average news sentiment score of Finance companies.

Search Interest

Only 1 people have searched for UBCP on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, United Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $149,943.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

12.93% of the stock of United Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 15.42% of the stock of United Bancorp is held by institutions.

UBCP Stock Analysis - Frequently Asked Questions

How have UBCP shares performed this year?

United Bancorp's stock was trading at $13.00 at the beginning of 2025. Since then, UBCP shares have increased by 8.0% and is now trading at $14.04.

How were United Bancorp's earnings last quarter?

United Bancorp, Inc. (NASDAQ:UBCP) posted its earnings results on Friday, May, 9th. The financial services provider reported $0.32 EPS for the quarter. The financial services provider had revenue of $7.53 million for the quarter. United Bancorp had a net margin of 16.32% and a trailing twelve-month return on equity of 11.64%.

How do I buy shares of United Bancorp?

Shares of UBCP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of United Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Bancorp investors own include United Bankshares (UBSI), AbbVie (ABBV), QUALCOMM (QCOM), UnitedHealth Group (UNH), Verizon Communications (VZ), Walgreens Boots Alliance (WBA) and Huntington Bancshares (HBAN).

Company Calendar

• Last Earnings: 5/09/2025
• Record date for 6/20 Dividend: 6/10/2025
• Ex-Dividend for 6/20 Dividend: 6/10/2025
• Dividend Payable: 6/20/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 8/06/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UBCP
• CIK: 731653
• Web: www.unitedbancorp.com
• Phone: (740) 633-0445
• Fax: 740-633-1448
• Employees: 120
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.24
• Trailing P/E Ratio: 11.32
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.40 million
• Net Margins: 16.32%
• Pretax Margin: 15.68%
• Return on Equity: 11.64%
• Return on Assets: 0.88%

Debt

• Debt-to-Equity Ratio: 1.63
• Current Ratio: 0.81
• Quick Ratio: 0.81

Sales & Book Value

• Annual Sales: $43.98 million
• Price / Sales: 1.85
• Cash Flow: $1.58 per share
• Price / Cash Flow: 8.89
• Book Value: $10.96 per share
• Price / Book: 1.28

Miscellaneous

• Outstanding Shares: 5,790,000
• Free Float: 5,045,000
• Market Cap: $81.29 million
• Optionable: Not Optionable
• Beta: 0.36